Avoiding future disasters means allocating blame accurately; and most of it lies with bad policy, not with greedy bankers.
避免未来的灾难必须责怪对人；大多数该被谴责的应该是糟糕的政策，而不是贪婪的银行家。
It would be easy simply to blame predatory bankers who got greedy, conning people into absurdly unaffordable loans that came disastrously unstuck.
可以简单地归咎于掠夺成性的银行家，他们诱骗贪婪、狡猾的人们，使他们荒唐地承担了无法偿还的贷款，造成灾难性恶果。
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